Best CD rates and certificates

Requirements

Product: Select a term from 3 to 60 months. Interest is compounded and credited monthly, and may be withdrawn before maturity. Fixed rate.

Offer: This account is for consumers only with a $250,000.00 deposit limit.

Requirements

Product: Dividends are calculated using a daily balance method and are paid monthly. Dividend Rates on Share and IRA Certificates are fixed and will not change until maturity. APY assumes dividends and principal will remain on deposit until maturity; withdrawals reduce earnings and early withdrawal of principal is subject to penalty. Membership eligibility in Fairfield, New Haven, or Hartford County, CT or Sikorsky Aircraft employment required.

Requirements

Product: Requires an eligible/qualifying M&T Bank checking account (such as MyChoice Premium Checking, M&T Select, M&T Select With Interest, Power Checking, or Advantage Checking). Maximum deposit is $1,000,000 per account ($750,000 if opened online). Minimum balance to obtain APY is $1.00. Early withdrawal penalties apply.

Offer: Requires a qualifying checking account. Maximum deposit is $1,000,000 ($750,000 if opened online). Minimum balance to obtain APY is $1.00.

Requirements

Product: Minimum deposit is $500. Automatically renewed. Dividends compounded daily. Early withdrawal penalties apply: maturity of one year or less is 31 days dividend; maturity of more than one year is 91 days dividend.

Offer: Dividends compounded daily.

Requirements

Product: NCUA insured up to $250,000. Minimum opening deposit is $500 ($100,000 for Jumbo Certificates). Monthly dividend crediting. Early withdrawal penalty applies: 90 days’ dividends for terms 1 year or less, 120 days’ dividends for terms over 1 year but less than 5 years, 180 days’ dividends for terms 5 years or more. Certificates automatically renew at the current dividend rate unless you choose to transfer funds to your Share Account.

Requirements

Product: At maturity, automatically renews into a 3 Month Flexible CD at a lower interest rate unless changed during 7-day grace period. Online opening limit is $250,000.

Requirements

Product: Qualify for Relationship Rewards interest rates when paired with a Key Advantage Checking ® , Key Privilege Checking ® , Key Privilege Select Checking ® , Key Select Checking ® , Key Private Client ® Checking , Key Private Bank Checking ® , or Key Private Bank Personal Checking Account.

Offer: Promotional Rate accurate as of September 26, 2026, 12-month Tiered CD with Relationship Rewards up to $99,999.99. Minimum opening deposit $2,500. Compounded daily. Early withdrawal penalties may apply.

Requirements

Product: All types of CDs require a minimum deposit of $500 to be opened and to earn the advertised APY.

Requirements

Product: $1,000 minimum deposit to open. Terms from 3 to 60 months. Interest is compounded daily and credited monthly and may be withdrawn before maturity. Early withdrawal penalty: for terms from 3 months to 1 year, penalty is 3 months simple interest; for terms of more than one year, penalty is 6 months simple interest.

Requirements

Product: Membership required (minimum $5 deposit). APY requires member to have or open an Elevated Checking Account. Without it, APY is 3.40%. New or existing funds accepted. Offer may be withdrawn without notice. Early withdrawal penalty applies per standard terms.

Offer: Requires having or opening an Elevated Checking Account. Without an Elevated Checking Account APY will be 3.40%. Early withdrawal penalty of 90 days of dividends for terms less than 12 months. New or existing funds accepted. MSCU membership required with minimum $5 deposit into Membership Account.

Requirements

Product: Minimum deposit requirement of $1,000 to open a CD. Penalty for early withdrawal.

Offer: Requires linked qualifying Chase checking account.

Requirements

Product: Minimum opening deposit of $1,000. Maximum deposit of $750,000. No monthly fees. Allows unlimited partial withdrawals with no penalty fee after 7 days of opening and funding the account; substantial penalty for early withdrawal within first 7 days. After initial funding deposit, additional deposits are not allowed even during 10-day grace period. Automatically renews into a 7 Month Flex CD at current rate.

Offer: Fixed rate for full 7-month term. Penalty-free unlimited withdrawals after first 7 days. Minimum opening deposit $1,000 required to earn APY. Maximum deposit $750,000.

Requirements

Product: A penalty of 7 days interest will be imposed for early withdrawals within the first 6 days of the account term or following any partial withdrawal. Automatically renews into a 3 Month Flexible CD at maturity unless changed during 7-day grace period. Online opening limit is $250,000.

Requirements

Product: $1,000 minimum to open. You can withdraw the full balance and accrued interest without penalty beginning 7 calendar days after funding. Partial withdrawals not permitted. Daily balances below $1,000 do not earn APY. Interest compounded daily and credited monthly.

Offer: Full balance and accrued interest can be withdrawn without penalty beginning 7 calendar days after funding. No partial withdrawals. Daily balances below $1,000 do not earn APY.

Requirements

Product: Fixed rate CD. Standard opening minimum deposit is $2,500. Early withdrawal penalties apply.

Offer: Relationship rate; requires eligible linked checking account.